Group health insurance for employees

Our group medical insurance policy comes with frictionless claims, less paperwork, and minimal HR dependency.


Satisfied customers

2.5 Lakh+

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Why is a group health insurance plan necessary?

Only one-third of the Indian working class has an active health cover. Most employees depend on company-sponsored group health insurance policy to help during emergencies.

Moreover, with the rising hospital bills in metro cities, employees usually want a bigger coverage - and group insurance policies provide them at a lesser premium.

Oftentimes, providing a comprehensive group insurance policy is a direct reciprocation of how much you respect your employees’ health and well-being. The more you care, the more your employees stay healthy and productive.

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What is group health insurance?

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Group Health Insurance, often offered as employee benefits - covers groups of individuals from any medical or hospitalization emergencies. Employees today expect their employers to provide some sort of group policy.

This because individual insurance plans do not include pre-existing conditions and don’t wave off waiting periods for most treatments. Moreover, a group medical insurance policy is a cheaper option if you want to cover dependents & parents.

Who should buy group health insurance policy?

Early Stage Startups

Teams as small as two can opt for employee group health insurance from Pazcare. If you planning to put together a killer team, then subscribing to a group plan early on should give you a jump start.

SMBs and Early Scaling Companies

Have you ever wanted to put your insurance administration on autopilot? Monthly addition/deletion of employees and communicating that to your insurance partner is painful, to say the least. Delegate your insurance ops to Pazcare while you focus on more impactful People projects.

Large Organisations

Benchmark your current insurance policy with peers and find a way to give more benefits at less. Our experts sit with you to analyze existing policies and take you through a personalized insurance renewal journey.

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Advantages of an employee group Health insurance policy

Employer-Employee benefits have become fairly straightforward, but it is important for HR teams to understand the second-order effects that kick in after buying a group health policy.

For Employers

Attract & Retain Top Talent

Every company wants only the creamiest of employee talent - a comprehensive benefits plan will help you get the right eyeballs. Retention also is taken care - because today’s generation indexes a lot towards perks apart from their compensation.


Empathetic Workplace Culture

Employees perceive company culture by the type of benefits that are provided to them. Offering corporate health insurance shows that you care, and you can expect a similar amount of reciprocation to come from your employees.


Corporate Tax Incentives

If you are an employer and are paying for your team’s group health premium - you are eligible to avail tax credit. Imagine getting compensated for a goodwill expense.

For Employees

Easy Claims Process

With Pazcare you never become liable for your employees’ claims. Be it cashless or reimbursement ‘Paz Claims team’ will ensure a smooth hospitalization experience.


Cover Family For Free

Employees can cover their dependents at literally zero cost. By this, you are not only helping your team save on some necessary expenses but also showcasing empathy and gratitude.


Focus on Holistic Wellbeing

Unlike traditional players - Pazcare is also responsible for your employees’ well-being. Every individual that is added to your group medical policy can access preventive healthcare offerings like health checkups, doctor consultations, and buying medicines at subsidized rates through the Pazcare App.

Features of a group health insurance plan


Waiting Periods waived off

Unlike your retail policy, many of your pre-existing conditions are waived off. Coverage for critical illness, maternity, cataract, and others start from day 1.


Pre & Post Hospitalisation

Not only hospital bills but expenses incurred pre-hospitalization and after discharge will be reimbursed.


Cashless Treatments

If you are pre-planning your hospitalization, find the nearest network hospital through the Paz app and enjoy a cashless experience.

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Group health insurance vs Individual health insurance

Parameters Group health insurance Individual health insurance
Covering Parents Since the risk is spread across lives, premium for parents cover is often subsidized. Costs a bomb if an individual has to buy it for his/her parents.
Pre-Existing Diseases A group health insurance policy covers your existing diseases. One has to pay at least 1.7x of their individual health premium to cover each parent.
Complementary Life Hack Benefits Personal Wellness is mandatory nowadays. It’s an add-on in your group policy. Subscriptions to wellness packages and managing things over a single app are painful challenges.
Waiting Periods Group Health Policy can be claimed from day 1. There is usually a 30-day waiting period that someone has to go through.
Premium Costs Premiums are always less because of more lives. Individual Health premiums are relatively expensive.

Why should you buy group health insurance from Pazcare?

If you’ve come this far, then you are someone who is really looking to get the best group health insurance plan for your team. And you know the drill when it comes to negotiating and getting the best terms & conditions - more often than not it is painful and drains a lot of your energy.

At Pazcare, we are committed to making the entire process personalized and less of a hassle. You set expectations with your budget and we talk to insurers to get the best policy terms and coverage.

More reasons why Pazcare should be the best choice for your team


Curated Admin dashboard

Administration of multiple benefits and policies is now possible under one single dashboard. You get exact visibility on how employees use their benefits. Use frequent nudges to make your employees consume the benefits provided to them. And get monthly reports and analytics to present to C-suite.


Personalized Employee Experience

Employees can easily check what is covered and where are the nearest network hospitals. Either on Desktop or on App - one can raise cashless and reimbursement claims within a click without having to intimate their HRs and admins.


Hasslefree Claims Support

Say hi to Pazcare’s app - employees can now file and track the status of their claims on the go. Chat with our internal claims team 24X7 within the Paz app and get your queries answered then and there.

They love their employee benefits!

You can easily choose and build your benefits package. We have it all.



4.5 / 5

4.5 / 5

The Pazcare team was very helpful in helping us with the details and the documents needed for the claim process. Everything about the company is impressive.


Shreya Roy

4.5 / 5

4.5 / 5

The Dashboard is very easy to use and additions and deletion have become extremely easy and seamless. Employees have easy access to insurance details on the app


Hemanth Kumar Addada

5 / 5

5 / 5

The dashboard is also very user-friendly with a very good UI/UX.


Vishwanath HY

5 / 5

5 / 5

Dashboard really helps in getting quick response for any queries and reimbursement

Final thoughts

A comprehensive group medical insurance policy can be a great asset to keep your employees motivated and productive. It portrays how much you care about them and respect their healthcare needs.

With Pazcare, we promise a personalized buying experience while all your employees will be treated and taken care of like our own employees. Set up a consultation call with one of the benefits experts today to know more.

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Frequently asked questions about group mediclaim policy

What is the minimum number of employees required for group health insurance?

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According to IRDAI an organization with 7 or more lives is qualified to buy group health insurance. But with Pazcare you can get insured for a team as low as 2 members.

Is group health insurance mandatory for employees working in India?

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As per the post lockdown Covid-19 guidelines by the Indian government, group medical insurance has become mandatory for employees.

How to buy group health insurance online?

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Get in touch with Pazcare. Submit the form. Our health insurance consultants will get in touch with you within 24 hours and understand your requirements, give a product demo and personalize your group health insurance policy. We get you best comprehensive quotes from 5+ insurers. Choose the best offering and your onboarding process starts within 24 hours of your policy purchase.